The best car insurance companies in Florida
Each car insurance company advertises its low costs. But as with any product or service, the most affordable car insurance policy isn't always the best option. Considering the financial stakes, it's worthwhile to do the due diligence to find a policy that will cover your car adequately in the event of an accident. Work to find the best value, rather than settling for the most affordable auto insurance you find.
Compare top auto insurance companies' financial strength and claims satisfaction ratings to better understand the level of service they might provide.
The below ratings are sourced from J.D. Power and AM Best, and The Zebra's own auto insurance customer satisfaction survey.
TOP FLORIDA AUTO INSURANCE COMPANIES
| Insurance Company | Claims Satisfaction (J.D. Power) | Customer Satisfaction (J.D. Power) | Financial Strength (AM Best) | Customer Satisfaction (The Zebra) |
| AAA | Below average | Average | Excellent | 4.2/5 |
| Allstate | Above average | Average | Superior | 4.3/5 |
| Amica | Excellent | Excellent | Superior | N/A |
| GEICO | Average | Average | Superior | 4.4/5 |
| Kemper | N/A | N/A | Fair | 4.1/5 |
| Liberty Mutual | Below average | Above average | Good | 4.2/5 |
| MetLife | Excellent | Below average | Excellent | N/A |
| Progressive | Below average | Below average | Excellent | 4.3/5 |
| State Farm | Above average | Above average | Superior | 4.5/5 |
| Travelers | Below average | Below average | Superior | 4.3/5 |
| USAA | Excellent | Excellent | Superior | 4.6/5 |
The cheapest car insurance companies in Florida
What's the cheapest car insurance in Florida?
| Rank | Company Name | Avg. Annual Premium |
|---|---|---|
| 1 | USAA | $1,014 |
| 2 | Allied | $1,790 |
| 3 | State Farm | $1,834 |
| 4 | Travelers | $1,907 |
| 5 | Auto-Owners | $2,128 |
| 6 | 21st Century | $2,360 |
| 7 | Hanover | $2,484 |
| 8 | Esurance | $2,611 |
| 9 | Mercury | $2,835 |
| 10 | Progressive | $3,228 |
Compare quotes from dozens of insurance companies in Florida by entering your ZIP code below.
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Cheap auto insurance in Florida — for good drivers
Good drivers can save money on car insurance! Insurance companies use your driving record as a way to predict what kind of risk you pose. Without at-fault accidents, speeding tickets or DUIs on your record, you are a less risky and more affordable customer for an insurance company compared to a motorist with a driving history of car accidents and citations.
In addition to cheaper premiums, some companies offer good driver discounts. While the amount of insurance discount varies based on your company, it can range between 5 and 10%. If we’re looking beyond just average rates and at individual companies, Nationwide seems to have the cheapest rates for good drivers.
| Rating Factor | $ Savings | % Savings |
|---|---|---|
| No Traffic Tickets | $630 | 27.29% |
| No Accidents | $392 | 16.96% |
| Good Credit | $1,395 | 47.56% |
Cheap car insurance in Florida — for new drivers
Young drivers between the ages of 16 and 25 pay the most for car insurance across the U.S. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. For teen drivers, historically the most expensive drivers to insure, we’ve found that GEICO, Progressive, and Liberty Mutual are the cheapest companies.
| Age | Annual Rate with Parents | Annual Rate Alone |
|---|---|---|
| 16 | $4,471 | $7,601 |
| 17 | $4,156 | $6,744 |
| 18 | $3,796 | $5,627 |
| 19 | $3,391 | $4,375 |
Affordable Florida car insurance — for bad drivers
Having a bad driving record can be a huge burden for getting cheap car insurance — no matter your location. In Florida in 2019, a DUI raised rates an average of $1,085 a year. Other violations, such as an at-fault accident or a speeding ticket will also hurt your driving record. Based on our research, if you’ve had a DUI or at-fault accident, your best bet for cheap car insurance is to shop with Liberty Mutual, State Farm, or Nationwide.
| Rating Factor | Annual Rate | % Increase |
|---|---|---|
| At-Fault Accident | $3,178 | 37.64% |
| DUI | $3,394 | 46.99% |
| Speeding Violation | $2,888 | 25.08% |
| Bad Credit | $4,329 | 47.56% |
Florida auto insurance laws
What insurance coverage do I need in Florida?
State minimum insurance requirements in Florida are as follows:
- Property damage liability (PDL) - $10,000
- Personal injury protection (PIP) - $10,000
Optional car insurance coverages in Florida — varying by carrier — include:
- Bodily injury liability
- Comprehensive
- Collision
- Loan/Lease Payoff
- Medical and Funeral Services
- Rental Car Reimbursement
- Roadside Assistance
- Uninsured/Underinsured Motorist Bodily Injury
If you opt for the minimum required coverage in Florida, be prepared to pay an average of $1,102 each year. This exceeds the national average by 77%. If you want a higher standard of coverage, select an auto insurance policy with additional coverage like comprehensive and collision coverages to insure against the costs of car-versus-car collisions, auto theft, or weather incidents.
However, better coverage comes at a price. In Florida, a comprehensive insurance policy with a $1,000 deductible costs $2,164, 96% more than basic insurance coverage. For comprehensive insurance coverage with a $500 deductible, Florida drivers can expect to pay 133% more than you would for a liability insurance-only policy.
Analyze average rates for basic, better, and best insurance coverage levels in the table below or read more about coverage requirements in the state of Florida.
How tickets change auto insurance rates in Florida
When you receive a ticket your car insurance rates will probably go up. How much your rates rise depends on the violation, your car insurance company's pricing standards, and differing local insurance regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.
Below is a look at average auto insurance rates in Florida after a few common citations.
| Violation | Avg. Annual Rate | Rate Increase (%) | Rate Increase ($) |
| Hit and Run | $3,507 | 52% | $1,198 |
| Refused Breathalyzer/Chemical Test | $3,165 | 37% | $856 |
| DUI | $3,394 | 47% | $1,085 |
| Racing | $3,486 | 51% | $1,177 |
| Reckless Driving | $3,507 | 52% | $1,198 |
| Driving with a Suspended License | $3,507 | 52% | $1,198 |
| At-Fault Accident | $3,178 | 38% | $869 |
| Driving with an Open Container | $2,906 | 26% | $597 |
| Operating a Vehicle Without Permission | $2,927 | 27% | $618 |
| Passing a School Bus | $2,906 | 26% | $597 |
| Improper Passing | $2,906 | 26% | $597 |
| Following Too Closely | $2,882 | 25% | $574 |
| Speeding | $2,888 | 25% | $579 |
| Failure to Stop at a Red Light | $2,906 | 26% | $597 |
| Illegal Turn | $2,906 | 26% | $597 |
| Driving Wrong Way/Wrong Lane | $2,906 | 26% | $597 |
| Failure to Yield | $2,906 | 26% | $597 |
| Speeding in a School Zone | $2,888 | 25% | $579 |
| Driving Too Slowly | $2,888 | 25% | $579 |
| Distracted Driving | $2,882 | 25% | $574 |
| Driving with Expired Registration | $2,560 | 11% | $252 |
| Failure to Show Documents | $2,560 | 11% | $252 |
| Not-at-Fault Accident | $2,493 | 8% | $184 |
| Failure to Use Child Safety Restraint | $2,332 | 1% | $24 |
| Failure to Wear a Seat Belt | $2,332 | 1% | $24 |
| Driving Without Lights | $2,309 | 0% | $0 |
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Florida car insurance FAQs
Who has the cheapest car insurance in Florida?
Our data shows USAA is the cheapest insurance company in Florida at $507 for a six-month policy, or $84/month. The best way to find the cheapest car in Florida is to compare auto insurance quotes from as many companies as possible. Use our comparison tool to see rates in Florida for your driving profile.
Is Florida a no-fault state for car insurance?
Yes, Florida is a no-fault state. This means if you're injured in a crash, you're required to cover your own bodily injury payments — regardless of fault.
Why is car insurance so expensive in Florida?
Auto insurance companies charge higher-than-average rates in many parts of Florida due to the increased likelihood of claims and the state's relatively high share of uninsured drivers. When comparing car insurance rates in Florida, consider uninsured motorist coverage as an add-on.
How much does car insurance cost in Florida cities?
Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Gainesville, Florida, and the most expensive in West Palm Beach, Florida.
| Rank | City | Avg. Annual Premium |
|---|---|---|
| 1 | West Palm Beach | $3,187 |
| 2 | Hialeah | $3,179 |
| 3 | Miami | $3,075 |
| 4 | Miami Gardens | $3,048 |
| 5 | Tampa | $2,990 |
| 6 | Coral Springs | $2,981 |
| 7 | Hollywood | $2,901 |
| 8 | Pompano Beach | $2,900 |
| 9 | Miami Beach | $2,897 |
| 10 | Brandon | $2,882 |
| 11 | Fort Lauderdale | $2,786 |
| 12 | Miramar | $2,784 |
| 13 | Pembroke Pines | $2,705 |
| 14 | St. Petersburg | $2,703 |
| 15 | Clearwater | $2,685 |
| 16 | Davie | $2,648 |
| 17 | Port St. Lucie | $2,386 |
| 18 | Spring Hill | $2,341 |
| 19 | Orlando | $2,301 |
| 20 | Jacksonville | $2,245 |
| 21 | Lakeland | $2,199 |
| 22 | Palm Bay | $2,084 |
| 23 | Tallahassee | $2,072 |
| 24 | Cape Coral | $2,026 |
| 25 | Gainesville | $1,839 |
Recent Florida Car Insurance Questions and Answers
Can a married couple have separate car insurance policies?
Can a lender dictate what my deductible is?
Should I have filed a claim?
Will my insurance decrease after my PIP claims expire?
